Public Liability Insurance - Family Day Care and In-Home Care
What it is… FDCA’s Public Liability insurance offers insurance protection for carers conducting a family day care or in-home care service. This cover protects carers where they are held liable for third party property damage, injury to children in care or injury to any member of the general public that arises from the provision of the family day care or in-home care service. This policy does not cover the carer or their family for property damage or injury. It provides cover for up to:
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public liability ($10 million) any one occurrence |
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products liability ($10 million) |
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landlords liability ($10 million) |
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error and omissions ($1 million) |
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criminal defence ($50 thousand) |
The insurance is led by certain underwriters at Lloyd’s of London as listed: Syndicate 4040. (HCCL)
If a claim is brought against you in relation to an injury to a child in your care for example, you could be personally liable to pay any damages or compensation which may be awarded to the child. Public liability indemnifies you for such claims subject always to the policy terms and conditions.
To find out about the FDCA Insurance packages please click here.
To arrange insurance over the phone please contact FDCA Member Services on
FREECALL 1800 658 699 or obtain an application form from your local family day care office.
Will your Home and Contents insurance cover you?…Although many Home and Contents policies include legal liability insurance, they usually do not cover any claims arising out of a business.
Policy Inclusions
Fundraising Events, Fetes and Excursions
The policy automatically extends to indemnify carers when attending with children in care, fundraising events, fetes, festivals and similar events and whilst undertaking excursions with children in care.
For more information contact your Member Services Team on FREECALL 1800 658 699
Suspend It For Six
Planning a break? If you plan to be away from family day care for at least six weeks and not more than six months, don’t cancel your policy, just suspend it for six. It’s convenient, cost effective and unique to Family Day Care Australia.
For more information contact your Member Services Team on FREECALL 1800 658 699
Other Carer Cover
Planning to take a break but don’t want to close your service? Why not organise an alternative carer to provide care while you’re away. As long as this carer is scheme approved and does not provide alternative care for other carers in the scheme, they can be covered under your policy at no additional premium.
For more information contact your Member Services Team on FREECALL 1800 658 699
Policy Wording
For a copy of the master policy wording please contact your FDCA Member Services Team on FREECALL 1800 658 699
Risk Management
First Aid Requirements
As a condition of the public liability insurance policy carers must hold a current first aid certificate.
Glass Information Kit
The ‘Glass Information Kit’ has been produced to provide carers and co-ordination units with information on glass safety requirements in family day care homes. Please feel free to make copies and distribute as required.
Asbestos Information Kit
The ‘Asbestos Information Kit’ has been produced to provide carers and co-ordination units with information on the risk management of asbestos in family day care homes. Please feel free to make copies and distribute as required.
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